Why PCI Audits Fail: CISO Guide to PCI DSS 6.4.3 and 11.6.1 Compliance
PCI audits are not designed to protect your organization. They are designed to protect the payment card industry. This misalignment exists because card brands bear the burden of fraud-related costs, so the framework is built to minimize their exposure rather than address the unique risks merchants face. For example, PCI DSS focuses heavily on infrastructure and network security, reflecting a time when payment processing happened in secure, on-premise environments.